Merchant Machine

Tide VS Countingup: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Tide or Countingup better for your small business?



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Tide and Countingup reviews on Trustpilot along with their App reviews from Apple and Google.

We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.

Tide Homepage
Tide Homepage


Countingup Homepage
Countingup Homepage
 

Tide vs Countingup Trustpilot Reviews

TideCountingup
Trustpilot Review Score (out of 5)4.24.4
Percent 5-Star Reviews73%81%
Percent 1- Star Reviews17%9%
Total Number of Reviews18,5952,382
Sources:
https://www.trustpilot.com/review/tide.co
https://www.trustpilot.com/review/countingup.com

Tide vs Countingup App Reviews

TideCountingup
iPhone Review Score (out of 5)4.74.7
Number of iPhone Reviews64,8002,800
Android Review Score (out of 5)3.54.5
Number of Android Reviews16,2001,300
Sources:
https://apps.apple.com/gb/app/tide-business-banking-app/id1140086177
https://apps.apple.com/gb/app/countingup-business-account/id1286828618

Tide vs Countingup Account Fees & Charges

TideCountingup
Free Business Bank AccountYesNo
Free Business Account Term LengthNo LimitNA
Cheapest Monthly Account Fee£9.99£3
Most Expensive Monthly Account Fee£49.99£18
Electronic Payment Cost (in/out)Free30p
Cash Payments Cost (in/out)£1£1
Cheques (in/out)FreeFree
CHAPS Payments CostNoNo
SEPA Payments Cost€0.70No

Tide vs Countingup Business Savings Rates

TideCountingup
Types of Business Savings AccountsBusiness savings accountNone
Lowest Savings Rate (AER)3.55%NA
Maximum Savings Rate (AER)3.55%NA
Minimum Savings Amount£1NA
Interest Paid On Foreign CurrenciesYesYes
 

Tide vs Countingup Account Opening Times

TideCountingup
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
10 to 2880 minutes5 minutes
Do They Check Your Credit?YesNo
Current Account Switch ServiceYesYes

Tide vs Countingup Features & Account Types

Tide Account Types
Tide Features & Account Types


Countingup Account Types
Countingup Features & Account Types


TideCountingup
Business Current AccountYesYes
Business Savings AccountYesYes
Business Credit CardNoNo
Business OverdraftNoNo
Accounts For StartupsYesYes
Accounts For CharitiesNoNo
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableNoYes
Card TypeMastercardMastercard
Online BankingYesNo
Mobile BankingYesYes
In Person/Branch BankingNoNo
Branch LocationsNone, online onlyNone, online only

Tide vs Countingup Customer Support Options

TideCountingup
Phone Support AvailableYesNo
Email Support AvailableYesYes
App Based Support YesYes
Web Based SupportYesYes
In person Customer SupportNoNo

Tide vs Countingup Foreign Currency Accounts

TideCountingup
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsNoYes
Other Currencies Available:No
  • GBP (British Pound)
  • EUR (Euro)
  • USD (US Dollar)
  • CAD (Canadian Dollar)
  • AUD (Australian Dollar)
  • NZD (New Zealand Dollar)
  • CHF (Swiss Franc)
  • SEK (Swedish Krona)
  • DKK (Danish Krone)
  • NOK (Norwegian Krone)

Other Business Services From Tide and Countingup

Tide Account Types
Other Tide Services


Countingup Account Types
Other Countingup Services


TideCountingup
Business LoansYesNo
Commercial MortgagesNoNo
Invoice FinancingYesNo
International PaymentsYesYes
Merchant Payment ServicesNoNo
Card MachinesYesNo
Free Accounting SoftwareYesYes

Tide vs Countingup Banking Basics

TideCountingup
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000 via ClearBankNo
FCA Number754568900010
WebsiteTide WebsiteCountingup Website

Common Comparison Questions

Does Tide or Countingup have better customer reviews?

Tide scores 4.2 out of 5 based 18,595 Trustpilot reviews. Of these reviews 73% are 5-star and 17% are 1-star.

Whereas, Countingup scores 4.4 out of 5 based 2,382 Trustpilot reviews. Of which 81% are 5-star and 9% are 1-star.

Does Tide or Countingup have a better App?

Tide’s iPhone App is rated 4.7 out of 5 based on 64,800 reviews. And it’s Android App is rated 3.5 out of 5 based on 16,200 reviews.

In comparison, Countingup’s iPhone App is rated 4.7 out of 5 based on 2,800 reviews. And it’s Android App is rated 4.5 out of 5 based on 1,300 reviews.

Does Tide or Countingup have better business savings rates?

Tide offers the following types of business savings accounts: Business savings account with interest rates ranging from 3.55% to 3.55%. (AER)

In contrast, Countingup offers None accounts with interest rates ranging from NA to NA (AER).

See Other Comparisons:
Tide vs State Bank of India (UK)
Tide vs Charity Bank
Tide vs Cumberland Building Society
Tide vs Redwood Bank
Tide vs Amaiz


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224